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Does ordering my credit hurt my credit scores?
When a third party pulls a consumers credit it is called a “hard inquiry” and can reduce the scores. When shopping for mortgages, car loans, leases, as well as student loans inquiries (pulls) reduce the scores differently within certain periods of time called windows. When a consumer pulls their credit directly the score does not decrease. A consumer can pull their own credit 80 times in a day and the score will not reduce. Consumer pulls are also called “soft inquiries”.
When does a credit card late payment show up on my credit report?
The CARD Act states that your credit card statement must be sent 21 days before your due date. You then get another 30 days before a delinquency is reported. This means consumers have 51 days from the date on the statement to pay without a late payment being posted to credit reports.